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Overview

4 bd2 ba2,220 sqft1 car garageSingle Family
TypeSingle Family
HOA$450/yr
Built2022
Lot23,314 sqft
Living area2,220 sqft
Price / sqft$198
Garage1 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Ceiling Fans(s)Eat-in KitchenHigh CeilingsKitchen/Family Room ComboOpen FloorplanSolid Surface CountersStone CountersThermostat

5020 Moss Hammock Trl is a 2022-built home in Moss Hammock, Sebring. Inside you'll find 4 bedrooms, 2 bathrooms, and 2,220 square feet of living space. Listed at $439,900 (about $198/sqft), 1 day on market. Flood zone x - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $450 annually.

From the listing

Why settle for builder-basic when the upgrades have already been done? Welcome to 5020 Moss Hammock Trail, a beautifully enhanced 2022-built home situated on approximately half an acre in the gated Moss Hammock community.Step inside and you’ll immediately see the difference. The kitchen is highlighted by quartz countertops and upgraded appliances, creating a polished space that flows naturally into the main living areas. Upgraded lighting fixtures, a stylish accent wall, and wood-look tile add personality and warmth while giving the home a finished look that goes beyond standard builder selections.The attention to detail continues outside. The landscaping has been carefully designed and maintained, adding curb appeal from the moment you arrive. A private irrigation well helps keep the landscaping looking its best without relying solely on metered household water—a practical feature that is especially valuable on a homesite of this size.Even the garage has received an upgrade with an epoxy-coated floor, creating a cleaner, more finished space for parking, storage, hobbies or projects.One of the home's biggest advantages is the setting. With approximately half an acre, there is room to enjoy your property while still being part of an established gated community. Moss Hammock offers a quieter residential atmosphere with a relatively low annual HOA, making it an appealing alternative to communities where homes are positioned much closer together.What makes this home stand out isn't simply that it was built recently—it's what has been added since. Quartz surfaces, upgraded appliances and lighting, cabinets in the laundry room, upgraded flooring, a feature wall, epoxy garage flooring, extensive landscaping and a dedicated irrigation well mean much of the work buyers often plan for after closing has already been completed.If you've been looking for a newer Sebring home with more land, thoughtful upgrades and a gated-community setting, 5020 Moss Hammock Trail deserves a closer look. Schedule your private showing and experience what makes this home different.

The essentials

Built
2022
Price / sqft
$198
On market
1 day
Annual tax
$4,177
HOA
$450/yr
Flood zone
X · Low risk
Lot
23,314 sqft
Type
Single Family Residence

At a glance

Single family
Built 2022
1 car garage
Driveway
0.54 acres
Lot size
2,220 sqft
Living area

Payment

Est. monthly payment
$2,900/mo
Down payment (20%)
$87,980
Property taxes
$348/mo
HOA
$450/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2022
Lot
23,314 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Driveway, Garage Door Opener, Garage Faces Side
Days on Market
1
Ceiling Fans(s)
Eat-in Kitchen
High Ceilings
Kitchen/Family Room Combo
Open Floorplan
Solid Surface Counters
Stone Counters
Thermostat
Tray Ceiling(s)
Walk-in Closet(s)
Window Treatments
Sidewalk
Deed Restrictions
Gated Community - No Guard
Dishwasher
Disposal
Dryer
Electric Water Heater
Microwave
Range
Refrigerator
Washer
Flood Zone x
Annual Tax (2025)
$4,177
Parcel #
C-34-34-28-100-0000-0280

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Moss Hammock
County
Highlands
MLS Area
33872 - Sebring
Lot Size
23,314 sqft
ClearedIrregular LotOversized LotSidewalkPavedPrivate
HOA
$450/yr
W. Jeffrey “JJ” Parker

Price history

Date
Event
Price
10/12/2026
Listed for sale
Source: Stellar MLS #S5159346
$439,900
$198/sqft

Neighborhood

5020 Moss Hammock Trl
Sebring, FL, 33872 · 33872 - Sebring

Market insights

Offer Insights

Choose an offer strength

List price: $439,900
$437,500 – $439,900
99.5% – 100% of listTops out right at the list price
80% of listList price
45 of the last 88 home closings in 33872 landed at this number or higher (51%). The median one sat 83 days before it went under contract, and this one is on day 1.

Sample: 88 closed home sales in 33872 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$2,900/mo
Principal & interest$2,294
Property taxes$348
Insurance$220
HOA$38
Down payment20% · $87,980
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA includes any condo dues reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$439,900

$198 per sq ft

Beds and baths

4 beds, 2 baths

Size

2,220 sq ft

Time on market

1 day

Year built

2022

Monthly payment

About $2,900/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $4,177 annual tax bill, insurance, and the $450/yr HOA fee.

HOA fee

$450/yr

Managed by W. Jeffrey “JJ” Parker.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

What should I offer?

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Brokered byRE/MAX HERITAGE PROFESSIONALSListing agent: Chris LoschiavoListing data from Stellar MLS, MLS# S5159346.

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